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1b:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"FHA vs. Conventional Loans"}],["$","p",null,{"className":"mx-auto mt-4 max-w-2xl text-center text-gray-medium","children":"Understanding the differences helps you choose the right loan for your situation."}],["$","div",null,{"className":"mx-auto mt-12 max-w-4xl overflow-hidden rounded-xl bg-white shadow-sm","children":["$","table",null,{"className":"w-full text-left text-sm","children":[["$","thead",null,{"children":["$","tr",null,{"className":"border-b bg-primary text-white","children":[["$","th",null,{"className":"px-6 py-4 font-semibold","children":"Feature"}],["$","th",null,{"className":"px-6 py-4 font-semibold","children":"FHA Loan"}],["$","th",null,{"className":"px-6 py-4 font-semibold","children":"Conventional Loan"}]]}]}],["$","tbody",null,{"className":"divide-y text-gray-medium","children":[["$","tr",null,{"children":[["$","td",null,{"className":"px-6 py-4 font-medium text-primary-dark","children":"Minimum Down Payment"}],["$","td",null,{"className":"px-6 py-4","children":"3.5%"}],["$","td",null,{"className":"px-6 py-4","children":"3% (first-time buyers)"}]]}],["$","tr",null,{"className":"bg-off-white/50","children":[["$","td",null,{"className":"px-6 py-4 font-medium text-primary-dark","children":"Minimum Credit Score"}],["$","td",null,{"className":"px-6 py-4","children":"580 (3.5% down) / 500 (10% down)"}],["$","td",null,{"className":"px-6 py-4","children":"620+"}]]}],["$","tr",null,{"children":[["$","td",null,{"className":"px-6 py-4 font-medium text-primary-dark","children":"Mortgage Insurance"}],["$","td",null,{"className":"px-6 py-4","children":"Upfront MIP (1.75%) + Annual MIP (for life of loan with less than 10% down)"}],["$","td",null,{"className":"px-6 py-4","children":"PMI required with less than 20% down; removable at 20% equity"}]]}],["$","tr",null,{"className":"bg-off-white/50","children":[["$","td",null,{"className":"px-6 py-4 font-medium text-primary-dark","children":"DTI Limits"}],["$","td",null,{"className":"px-6 py-4","children":"Up to 43-50%"}],["$","td",null,{"className":"px-6 py-4","children":"Up to 43-45%"}]]}],["$","tr",null,{"children":[["$","td",null,{"className":"px-6 py-4 font-medium text-primary-dark","children":"Loan Limits"}],["$","td",null,{"className":"px-6 py-4","children":"County-specific FHA limits"}],["$","td",null,{"className":"px-6 py-4","children":"Conforming limits (higher)"}]]}],["$","tr",null,{"className":"bg-off-white/50","children":[["$","td",null,{"className":"px-6 py-4 font-medium text-primary-dark","children":"Seller Concessions"}],["$","td",null,{"className":"px-6 py-4","children":"Up to 6%"}],["$","td",null,{"className":"px-6 py-4","children":"3-9% (varies by down payment)"}]]}]]}]]}]}],["$","div",null,{"className":"mt-8 text-center","children":["$","$L12",null,{"className":"inline-block rounded-full bg-gold px-8 py-3.5 text-base font-semibold text-text-dark shadow-lg transition-colors hover:bg-gold-light","children":"Not Sure Which Is Right for You? Let's Talk"}]}]]}]}]
1c:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Frequently Asked Questions"}],["$","div",null,{"className":"mt-12 space-y-8","children":[["$","div","Can I get an FHA loan if I have had a bankruptcy or foreclosure?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I get an FHA loan if I have had a bankruptcy or foreclosure?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes, but there are waiting periods. For Chapter 7 bankruptcy, you must wait at least two years from the discharge date. For foreclosure, the waiting period is three years. Chapter 13 bankruptcy may allow earlier approval with court trustee permission and a good payment history."}]]}],["$","div","Is the FHA mortgage insurance permanent?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Is the FHA mortgage insurance permanent?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"If you put less than 10% down, FHA mortgage insurance premiums (MIP) remain for the life of the loan. If you put 10% or more down, MIP can be removed after 11 years. Many borrowers choose to refinance into a conventional loan once they reach 20% equity to eliminate mortgage insurance."}]]}],["$","div","Can I use an FHA loan to buy a fixer-upper?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I use an FHA loan to buy a fixer-upper?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes. The FHA 203(k) loan program allows you to purchase a home and finance the cost of repairs and renovations in a single mortgage. This is an excellent option for buyers looking to add value to a property that needs work."}]]}],["$","div","Are FHA loans only for first-time homebuyers?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Are FHA loans only for first-time homebuyers?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"No. FHA loans are available to any eligible borrower, regardless of whether they have owned a home before. While they are popular among first-time buyers due to their low down payment and flexible credit requirements, repeat buyers use FHA loans as well."}]]}],["$","div","How do FHA loan limits work?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"How do FHA loan limits work?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"FHA loan limits are set annually and vary by county based on local median home prices. They range from a floor amount in lower-cost areas to a ceiling in high-cost markets. Joshua can help you determine the FHA loan limit for your target area."}]]}]]}]]}]}]
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